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Local Authority Home Loan


Local Authority Home Loan

From 4th January 2022 the new Local Authority Home Loan Scheme comes into effect.  It replaces the previous Rebuilding Ireland Homeloan Scheme.

Pre-existing applications under the previous Rebuilding Ireland Home Loan Scheme will still be processed in the normal way.

The Local Authority Home Loan is a Government backed mortgage for first time buyers. It is available nationwide from all local authorities. It can be used to purchase a new or second-hand property or for self-build

As a first time buyer you can apply for a Local Authority Home Loan to purchase a new or second-hand property, or to build your own home.

The loan is a normal Capital and Interest-bearing mortgage which is repaid by direct debit on a monthly basis.

Applicants can borrow up to 90% of the market value of the property.

Applicants must apply to the local authority where the residence they intend to purchase or self-build is located

The scheme’s house price limit is €320,000 for County Wicklow.  The income ceiling for a single applicant is €65,000 - an increase on the €50,000 income ceiling under the previous RIHL Scheme.  The income ceiling for joint applicants remains at €75,000.

A website has been set up which gives full background on scheme.  Please consult the website to check eligibility and details of the scheme.




The application form and accompanying documents must be submitted in duplicate (1 original and 1 copy). Please send to:

Loans Section

Housing Department

Wicklow County Council

County Building

Wicklow Town

A67 FW96


Queries can be emailed to housingloansandgrants@wicklowcoco.ie